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Lending

Lending protocols form the backbone of the decentralized money market, allowing users to lend or borrow digital assets without intermediaries. Using smart contracts, platforms like Aave and Morpho automate interest rates based on supply and demand while requiring over-collateralization for security. The 2026 lending landscape features advanced permissionless vaults and institutional-grade credit lines. This tag covers the evolution of capital efficiency, liquidations, and the integration of diverse collateral types, including LSTs and tokenized RWAs.

16200 Articles
Created: 2026/02/02 18:52
Updated: 2026/02/02 18:52
Fintech Group CLAP Partners with BSP and SEC to Combat Lending Fraud

Fintech Group CLAP Partners with BSP and SEC to Combat Lending Fraud

The Consumer Lending Association of the Philippines (CLAP) is preparing to collaborate with the Bangko Sentral ng Pilipinas (BSP) and the Securities and Exchange Commission (SEC) to curb rising financial fraud in the lending industry. The initiative aims to operationalise the Anti-Financial Account Scamming Act (AFASA), which CLAP President Arianne Ferrer designated as the group’s [...] The post Fintech Group CLAP Partners with BSP and SEC to Combat Lending Fraud appeared first on Fintech News Philippines.

Author: Fintechnews

2025/12/09

Exploring Chainlink’s Role Beyond Price Feeds in the Blockchain Ecosystem

Exploring Chainlink’s Role Beyond Price Feeds in the Blockchain Ecosystem

The post Exploring Chainlink’s Role Beyond Price Feeds in the Blockchain Ecosystem appeared on BitcoinEthereumNews.com. Alvin Lang Dec 09, 2025 04:21 Chainlink is revolutionizing blockchain with its decentralized oracle networks, providing verifiable data and cross-chain messaging. Discover its impact on DeFi, tokenization, and more. Chainlink, a prominent decentralized oracle network, is redefining the blockchain landscape by extending its capabilities beyond mere price feeds. It is addressing the ‘oracle problem’ by providing reliable, offchain data inputs to smart contracts, which cannot independently verify external events. This advancement is crucial for decentralized finance (DeFi) protocols that require accurate data inputs such as prices and interest rates, according to Galaxy. Chainlink’s Core Offerings Chainlink’s offerings include decentralized Price Feeds, Cross-Chain Interoperability Protocol (CCIP) for cross-chain messaging, Proof of Reserve, and Verifiable Random Functions (VRF) for randomness. These services enable applications to leverage trust-minimized data delivery, automate execution, and facilitate cross-chain token transfers. Furthermore, Chainlink’s architecture is built around Decentralized Oracle Networks (DONs) that aggregate data from multiple providers, ensuring tamper-resistant data feeds. This network of independent nodes validates and delivers data across various blockchains, enhancing the reliability and security of smart contract operations. Impact on DeFi and Tokenization In the DeFi space, Chainlink is instrumental in providing price data for lending platforms, stablecoins, and synthetic assets. Its decentralized feeds help mitigate risks associated with data manipulation and ensure the integrity of financial products. Chainlink’s integration into tokenization and capital markets is also gaining traction, offering Proof of Reserve for asset-backed tokens and facilitating cross-chain transactions. Chainlink’s Security and Reliability Chainlink employs a robust security model with decentralized oracle networks and offchain reporting to ensure data accuracy and availability. The system is designed to handle common oracle failure modes, such as stale updates and network outages, by employing diverse data sources and operational overlays like circuit breakers and pause logic. The…

Author: BitcoinEthereumNews

2025/12/09

If the US financial market were fully blockchain-enabled

If the US financial market were fully blockchain-enabled

Author: 0xLeoDeng , Partner and Head of Investments at LK Ventures On December 4, SEC Chairman Paul Atkins, in an interview with Fox Business’s “Mornings with Maria,” put forward the vision that “the entire U.S. financial market may migrate to the blockchain within two years,” which sounded so radical that it even resembled science fiction. But if we put aside our doubts about the timeline for now and consider this as a serious future scenario: if this really happened, how would the US economy be reshaped? This is not a simple technological upgrade, but a complete formatting of the underlying operating system of finance. Here are seven layers of structural reshaping: 1. Market Structure: A "Light-Speed Machine" That Never Sleeps The first thing to be perceived is the change in the market's heartbeat rhythm. * The T+0 era will see extremely rapid capital turnover. The traditional T+1/T+2 settlement cycle will become history. Transactions will be settled immediately, and funds will almost never be tied up. This means that the velocity of money will increase significantly, and the cost of capital for the entire economy will be structurally compressed. The demise of the "closing bell." Markets will operate 24/7, just like cryptocurrencies today. This also means that the transmission of emotions and volatility will no longer be physically interrupted. The buffer period of "closing the market after hours and talking about it tomorrow" is gone. Good news or black swan events from anywhere in the world will directly impact asset prices at millisecond speeds. * SEC oversight has become "real-time surveillance." On-chain means absolute transparency. Who is building positions, who is naked short selling, and where liquidity is drying up—regulatory agencies no longer rely on lagging reports but directly monitor on-chain data. For manipulators, this is a nightmare; for the market, this is a new fairness brought about by "embedded regulation." 2. Banking Industry: From "Black Box" to "Glass Room" The impact of blockchain technology on the commercial banking system is far more profound than on exchanges. * The "semi-publicization" of balance sheets. When government bonds and credit assets are tokenized, regulators and the market can gain real-time insight into a bank's liquidity and collateral quality. * Double-edged sword effect: Asset mismatch risks like those of SVB (Silicon Valley Bank) are easier to warn about in advance; but on the other hand, in a highly transparent world, the spread of fear has no resistance, and a "bank run" may happen more decisively and fatally. * Collateralization: A company's accounts receivable, inventory, and even future cash flows can be transformed into standardized on-chain collateral through smart contracts. Financing efficiency will be unprecedentedly improved, but the regulatory focus must shift from simple "on-balance-sheet lending" to monitoring the intricate web of "programmable leverage" on the blockchain. 3. The Real Economy: A Revolution in the "Granularity" of Capital This is perhaps an underestimated point—on-chain technology will bring about the "democratization of assets." * "Mini-IPOs" for SMEs. Just as internet advertising allows small businesses to reach users, on-chain finance gives SMEs the opportunity to issue compliant "micro-securities." Financing will no longer be the privilege of giants; the capillaries of capital will penetrate into more grassroots economic sectors through blockchain. * The release of liquidity in non-standard assets. Previously, only large institutions could afford to own an office building, a power plant, or even a patent. In the future, these assets will be fragmented, allowing global investors to purchase even a fraction of their value, much like buying stocks. For the United States, this means that its existing assets will receive a huge "liquidity premium," attracting global funds to actively flow in. 4. Geopolitics: The "Digital Reinforcement" of the Dollar Hegemony Many people mistakenly believe that "on-chain" means decentralization and the weakening of state power, but in fact, the opposite is true. If the United States takes the lead in tokenizing its Treasury bonds and money market funds (MMFs), allowing global funds to purchase dollar assets at the lowest cost, fastest speed, and without any entry barriers, this will be the strongest moat protecting the dollar's hegemony. In contrast, if regulation and infrastructure development in Eurasia fail to keep pace, capital will vote with its feet and flood into the more efficient and transparent on-chain dollar system. This is not a decline of the dollar, but a "generational upgrade of monetary infrastructure." 5. Risk Restructuring: Crises don't disappear, they only mutate. The financial crisis in the blockchain era will take on a completely new look. From "human panic" to "code glitches." Bugs in smart contracts, manipulation of oracles, collapse of cross-chain bridges, and the chain reaction of automated liquidation will become new sources of systemic risk. * The "pressure cooker" effect of crises. Future crises will be more "technical" and more "condensed." They may erupt and end in minutes, rather than spreading for months like in 2008. Market rescue will no longer rely on "weekend meetings and negotiations," but on "data-driven decisions" and "code patching." 6. Winners and Losers: The Reshuffling of Niche Markets Potential winners: - Infrastructure builders: On-chain hosting, Distinguished ID (DID) and compliant oracle service providers. - The next generation of investment banks: large asset management institutions that know how to match on-chain assets globally. - Multi-skilled talent: a rare talent who understands both financial compliance and Solidity code. Those experiencing growing pains during transformation: Traditional intermediaries—clearing houses, transfer agents, and brokers who profit from information asymmetry—will be replaced by smart contracts if they do not revolutionize themselves. - Gray industries: Any industry that relies on opaque and non-compliant fund transfers will have nowhere to hide under full-chain traceability supervision. 7. Realistic and Calm: The direction is certain; only the speed is variable. Finally, let's return to reality. Completely achieving this within two years? Almost impossible. The bottleneck of technological throughput, the lag in the legal framework, and the power struggle among vested interest groups are three major obstacles that cannot be overcome within 24 months. A more likely path is gradual: starting with government bonds, the repurchase market, and some OTC derivatives, with the old and new systems running in parallel, and then slowly eroding the old world. But regardless of the speed, the direction Paul Atkins points out is irreversible. This is not merely a technological iteration, but also an instinctive choice driven by capital's pursuit of greater efficiency. The future of the US financial market is destined to be on the blockchain.

Author: PANews

2025/12/09

Abu Dhabi’s new finance cluster aims to add $15bn to its GDP

Abu Dhabi’s new finance cluster aims to add $15bn to its GDP

Abu Dhabi has launched the FinTech, Insurance, Digital and Alternative Assets (Fida) cluster, which is forecast to add AED56 billion ($15.3 billion) to the emirate’s gross domestic product (GDP) by 2045. The cluster will generate 8,000 new skilled jobs and attract at least AED17 billion in investment by 2045, the UAE state-run Wam news agency […]

Author: Agbi

2025/12/09

Tether invested $81.6 million in Italian humanoid robotics firm Generative Bionics

Tether invested $81.6 million in Italian humanoid robotics firm Generative Bionics

Tether invested $81.6 million in Italian humanoid robotics firm Generative Bionics.

Author: Cryptopolitan

2025/12/09

Coinbase Will List 2 Altcoins Today

Coinbase Will List 2 Altcoins Today

The post Coinbase Will List 2 Altcoins Today appeared on BitcoinEthereumNews.com. Coinbase, a leading crypto exchange, has announced the listing of two new altcoins on its platform today. The exchange revealed that it will add spot trading support for Plume (PLUME) and Jupiter (JUPITER). The announcement triggered increased market activity and volatility for both tokens, as traders reacted to Coinbase’s latest additions. Sponsored Sponsored Coinbase Unveils New Crypto Listings In an official X (formerly Twitter) post, Coinbase Markets noted that PLUME-USD and JUPITER-USD pairs will go live on or after 9:00 AM Pacific Time (PT). This is contingent on sufficient liquidity being established. The exchange added that trading will launch only in regions where it is supported. “Plume (PLUME) and Jupiter (JUPITER) will be available on coinbase․com, in the Coinbase app, and Coinbase Advanced. Institutions can access Plume (PLUME) and Jupiter (JUPITER) directly via Coinbase Exchange,” the post read. To ensure user safety, Coinbase also published the official contract addresses for each token. The exchange warned that transfers to unsupported networks could result in permanent loss of funds. Plume (PLUME) is an ERC-20 token on Ethereum, using the address 0x4C1746A800D224393fE2470C70A35717eD4eA5F1. Jupiter (JUPITER) is an SPL token with the address JUPyiwrYJFskUPiHa7hkeR8VUtAeFoSYbKedZNsDvCN. The listing follows a detailed review covering legal, technical, and market criteria, including trading volume and market capitalization. According to Coinbase’s official listing guidelines, the exchange employs merit-based assessments. Sponsored Sponsored How PLUME and JUP Prices Shifted After Coinbase Listing News Meanwhile, both tokens saw price volatility after the announcement. Plume Network is a layer-1 permissionless, full-stack blockchain built for real-world assets (RWA). The EVM-compatible platform powers decentralized finance services, including staking, lending, swaps, and loop strategies. PLUME surged 7% after the Coinbase listing news, adding to the momentum generated from its Upbit debut. BeInCrypto’s report showed the November 26 Upbit listing drove a 45% price spike, signaling strong demand for the…

Author: BitcoinEthereumNews

2025/12/09

Gate will launch Midnight (NIGHT) contract trading, Gate Perp DEX, leveraged lending trading, trading bots, copy trading, instant exchange, and dollar-cost averaging features.

Gate will launch Midnight (NIGHT) contract trading, Gate Perp DEX, leveraged lending trading, trading bots, copy trading, instant exchange, and dollar-cost averaging features.

PANews reported on December 9th that, according to an official announcement, Gate will launch its first live trading platform for Midnight (NIGHT) perpetual contracts (USDT settlement) at 18:10 (UTC+8) on December 9th, supporting leverage of 1-20x, and will also be listed on Gate Perp DEX simultaneously. In addition, Gate will add NIGHT unified account lending and isolated margin trading pairs on December 9, 2025 at 18:10 (UTC+8), and simultaneously launch NIGHT savings account management, flexible collateralized lending, and fixed-term collateralized lending functions. NIGHT trading bots and copy trading will be available within one hour of the launch of its perpetual contracts. NIGHT instant swap and dollar-cost averaging functions will be launched gradually one hour after the opening of its spot trading.

Author: PANews

2025/12/09

Ripple’s US$500M Raise Attracts Wall Street Giants With Deal Offering Built-In Downside Protection

Ripple’s US$500M Raise Attracts Wall Street Giants With Deal Offering Built-In Downside Protection

With US$500M from major Wall Street firms, Ripple offers investor safeguards and XRP-based valuations, reflecting strong institutional confidence. The post Ripple’s US$500M Raise Attracts Wall Street Giants With Deal Offering Built-In Downside Protection appeared first on Crypto News Australia.

Author: Cryptonews AU

2025/12/09

Pag-IBIG Fund wins GCG Best Sustainability Initiatives Award

Pag-IBIG Fund wins GCG Best Sustainability Initiatives Award

Pag-IBIG Fund received the Best Sustainability Initiatives Award at the 2025 Governance Commission for GOCCs (GCG) Awards Ceremony held Monday, Dec. 1, in Parañaque City. The award recognizes the agency’s efforts to integrate sustainability values and responsible practices across its programs, services, and internal operations. Department of Human Settlements and Urban Development (DHSUD) Secretary and Pag-IBIG […]

Author: Bworldonline

2025/12/09

Singapore’s FundBridge Launches Tokenized Gold-Linked Private Credit Fund

Singapore’s FundBridge Launches Tokenized Gold-Linked Private Credit Fund

The MG999 fund aims to turn gold into a yield-bearing asset through tokenised fund units, with Mustafa Gold as the initial borrower.

Author: Blockhead

2025/12/09

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